Call reports 2022
TROY BANK & TRUST COMPANY — 2022
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,463,805,000 | 1,464,763,000 | 1,429,731,000 | 1,436,272,000 |
| Total loans | 798,828,000 | 863,857,000 | 890,154,000 | 912,363,000 |
| Allowance for loan losses | 9,875,000 | 11,292,000 | 11,764,000 | 12,600,000 |
| Securities available for sale | 511,430,000 | 491,392,000 | 432,731,000 | 416,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,316,983,000 | 1,329,194,000 | 1,301,746,000 | 1,297,698,000 |
| Interest-bearing deposits | 1,295,985,000 | 1,312,409,000 | 1,285,036,000 | 1,278,202,000 |
| Noninterest-bearing deposits | 20,998,000 | 16,785,000 | 16,710,000 | 19,497,000 |
| Equity capital | 135,312,000 | 124,544,000 | 115,975,000 | 126,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,026,000 | 24,516,000 | 38,268,000 | 52,865,000 |
| Interest expense | 1,357,000 | 2,945,000 | 5,392,000 | 9,194,000 |
| Net interest income | 10,669,000 | 21,571,000 | 32,876,000 | 43,671,000 |
| Noninterest income | 1,404,000 | 3,555,000 | 5,119,000 | 7,717,000 |
| Noninterest expense | 7,846,000 | 15,943,000 | 23,454,000 | 31,219,000 |
| Provision for loan losses | 500,000 | 2,091,000 | 3,591,000 | 5,082,000 |
| Pretax income | 3,773,000 | 7,138,000 | 11,018,000 | 15,071,000 |
| Income tax | 788,000 | 1,388,000 | 2,212,000 | 2,280,000 |
| Net income | 2,985,000 | 5,750,000 | 8,806,000 | 12,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,969,000 | 146,801,000 | 149,384,000 | 152,393,000 |